Maritime Questions › Legal / Command
What is the basic distinction between Hull & Machinery (H&M) insurance and Protection & Indemnity (P&I) cover, and why does a Master need to understand this distinction?
A. They are two names for the same type of policy
B. H&M insurance covers physical loss/damage to the vessel itself and its machinery, while P&I cover addresses third-party liabilities (e.g. injury to crew/guests, pollution, wreck removal, collision liability) — understanding which applies helps the Master report incidents to the correct party promptly and avoid actions (like admissions of liability) that could affect cover
C. H&M insurance covers crew injuries; P&I covers hull damage
D. P&I cover only applies to cargo vessels, not yachts
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A. The duty to render assistance to persons in distress at sea overrides immigration status considerations at the point of rescue; the Master must rescue and provide for their safety, while disembarkation arrangements and any immigration questions are a separate matter to be coordinated afterward with flag state, coastal state authorities and the company/DPA
B. The duty to render assistance does not apply if the persons are suspected irregular migrants — the Master may legally ignore them and continue on passage
C. The Master may only render assistance after receiving written authorisation from the company
D. Rendering assistance is discretionary and depends on whether the vessel has spare cabins
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A. True
B. False
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